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Renters Insurance 101

Do you rent your home or apartment? Have you ever thought about what would happen if your home or apartment were to be broken into, damaged, or if someone were to injure themselves there? This is where renters insurance can be beneficial. Renters insurance is coverage for your personal property against damage or loss, not only where you rent, but also while you travel. It insures you if someone’s injured while they’re on your property and insures you elsewhere while you engage in daily activities. Renters insurance can cover medical payments for [...]

2018-12-10T14:53:45+00:00October 4th, 2018|

Life Insurance & Business Owners?

When you think about life insurance you probably think about life insurance to cover your debt, income, children’s education, or funeral costs. However there is another aspect to life insurance that most people do not consider, that is how life insurance comes into play as a business owner and why it is so important for business owners to have life insurance. Whether you built your business from the ground up or inherited it from previous generations, you work hard to maintain the dream that is your business. You likely have employees, family [...]

2018-12-10T14:54:09+00:00September 25th, 2018|

2018 Health Insurance Open Enrollment

OPEN ENROLLMENT It is that time of year again. Open enrollment is right around the corner and you may be starting to think about health insurance coverage and what that means for you, your business and your employees. Value of Offering Benefits to Your Employees Health insurance plans can be expensive, so why should you offer these benefits to your employees? Here are some important reasons. Offering health insurance benefits to your staff can help ensure a stable and motivated workforce and lower turnover rates. By investing in your employees and offering [...]

2018-12-10T14:59:17+00:00September 24th, 2018|

Term vs. Whole … What Type of Life Insurance Do You Need?

When it comes to life insurance there are different options out there that you can pick from. There is term life insurance which breaks down into a return of premium and traditional and then there is permanent life insurance which breaks down into whole and universal. What does this mean and how do you know which one to select? Term Life John is 33 years old. He is married and has 3 children. John is an accountant. His wife, Erin, stays at home to raise the children. They own a home which [...]

2018-12-10T14:59:38+00:00September 18th, 2018|

1 Million Dollar Policy!?

Life insurance is important to protect those you love. You have heard that it can provide financial protection to them when they are grieving you and take away that worry and burden. You want to protect your loved ones and you have decided that you want to get life insurance. You walk into your local agency, sit down, and the agent asks how much coverage you would like. Huh? You have no idea. Let’s break it down together. Do you have any debt? When you pass that debt doesn’t go away and [...]

2018-12-10T15:00:11+00:00September 13th, 2018|

Life Insurance 101

Life Insurance. It is something that everyone needs but no one ever wants to talk about. However, it is really important to talk about and to make sure you are protecting your loved ones. Picture this, you pass away unexpectedly and you didn’t have life insurance or a will. You had always said you would get to that eventually or when you were older. Now your loved ones are stuck dealing with your funeral costs, settling your estate, and their grief from losing you. Wouldn’t you want them to be able to [...]

2018-12-10T15:00:35+00:00September 6th, 2018|

Commercial Insurance and Schools

School districts are exposed to many different types of risk. These types of risk can come from visitors, students, employees, the buildings and grounds, transportation, and just about anything you can think of. In the event of a claim, a school could be put in a tough situation. This is where insurance policies can come into play. What type of insurance should schools carry? According to the Pennsylvania School Boards Association’s endorsed insurance program, the following are all different types of insurance that schools should consider: Property and Liability Worker’s Compensation Privacy [...]

2018-12-10T15:00:53+00:00August 30th, 2018|

Pedestrian Safety

Distracted driving is a common topic that most insurance companies talk about and that most people have heard or know something about. In case you don’t, distracted driving is any situation that takes your attention away from driving. This can be anything from talking or texting on your cell phone, sending emails, eating or drinking, grooming activities such as doing your makeup or hair, adjusting your GPS, or even changing the radio station. However, one topic that tends to not be talked about as much is distracted pedestrians. Distracted pedestrians can be [...]

2018-12-10T15:01:07+00:00August 23rd, 2018|

Distracted Drivers and School Zones

As the school year starts for many districts in the region, the risk of distracted drivers increases. This is because drivers tend to be distracted in school zones and near school buses. Distracted driving is any activity that could take your attention away from the task of driving. This could be using your phone to make calls or text, sending emails, eating, drinking, grooming, reading, talking, programming a GPS, or even changing the radio station. All of these tasks take your mind off the road and could cause you to be dangerous [...]

2018-12-10T15:01:26+00:00August 16th, 2018|

Travel Insurance

Set the scene. You are about to board your flight to the vacation of a lifetime. You have spent months planning and obsessing over this vacation. You are so ready to just put your feet in the sand and relax. Over the intercom, you hear that all flights to your destination have been canceled due to a massive hurricane that is coming into the area where you are flying to. You start to panic. You are unsure if you will be able to reschedule or even get your money back. The airline [...]

2018-12-10T15:03:11+00:00August 2nd, 2018|